I am curious as to what kind of experiences those with the Indiana ICHRA healthcare plans are having this year so far. Are there any big challenges or any positives that you're seeing and has anyone been told whether or not you all will have to stay on those plans for 2027 and beyond?
9 replies (most recent on top)
As an IN employee with ICHRA its actually been great. I don't pay premiums for the most expensive plan and all of my docs are in network. Yes, it was forced and yes there was alot of concern, but now that the dust settles its actually very good. However in other states the defining truth will be how good your current Ambetter network is.
I live in Florida and our doctors under Florida Medical Clinic/Orlando Health do not take any type of Marketplace plan. We have been with this group for 10+ years and will have to change Providers. Advent Health doesn't take them either, so the 2 hospitals and multiple clinics that are within 5-10 minutes from me in Tampa, will cost me a fortune for out of plan benefits. AND that is after the very high deductible is paid. Centene blames rising healthcare costs and thinks that giving employees freedom of choice for healthcare is the right move, but in reality they are just hoping we all choose Ambetter as our plan!!! I wasn't eligible for VSP and was not selected for ISP, but I fully expect that after the new year there will be additional layoffs. Programs are changing without the program owners even being part of the conversations, teams are being blended with staff that are either overqualified or under qualified for their new teams. It all needs to stop before we all sink ☹️🤬
@c7 Amen to that!
Not to mention whether what they did was even legal. What happened to parity amongst the organization as a whole?
We were forced into these plans or have no coverage. Part of the reason I started looking for another position. Like someone else mentioned it was obvious the Ambetter plans were where we were being steered. Trying to pad those enrollment numbers I’m sure.
@bz Not sure what you're getting at but you're probably not a Centene employee in Indiana who is experiencing the joy of having been involuntarily pushed into an ICHRA healthcare plan with higher costs and lack of provider coverage. They didn't ask for this.
So “eating our own dog food” doesn’t taste so good.
Oh well, Bon appetite! 🐕🦮🐩🐕🦺
Marketplace plans are HORRIBLE! I’m in Florida and very few take any marketplace plans. The PCP I’ve been seeing for ten years who is part of Advent Health does not participate. Moffitt (I am high risk for cancer) does not participate nor does all of the providers I have established healthcare with and who are part of my care team. Also, the deductibles and out of pocket costs are too expensive that I will be forced to choose between keeping a roof over my head or going without. Unfortunately, this is not an option and because of this factor, I will be looking for another job with another employer. This is a cheap and horrible thing to do to employees. SMH.
I was so mad at my DED MOOP 2024 that I didn't get any insurance 2025. The only reason I took it at all this year was bc it cost zero. The Ambetter plan they offered was clearly what they wanted people to choose bc it was way better than any of the others. No money is taken out of my paycheck. I've had very negligible appointment fees. They gave us $750 up front since Healthy Pathways wouldn't be the same for us. Ascension which is all over the state accepts it so I haven't had trouble finding providers. I paid way, WAY more with the employee BCBS prior to this test run. I'm sure they will scale way back on the plan terms once whole company has to use ICHRA. I heard MO and maybe a handful of other states go ICHRA 2027 and phasing more in 2028 & beyond.
It is straight A-S.
@OP I do not like it at all. Minimal plans in some counties and even less providers that will take it. If you live in a big city, there’s better coverage. But for those of us that don’t the coverage su-ks. What they fail to tell you is unlike traditional commercial insurance. It is marketplace plans therefore many providers will not accept it. So what does this mean? You will have to use the company online tool to determine what providers will take your plan. For example just because you chose a Blue Cross Blue Shield plan does not mean the provider takes a marketplace Blue Cross Blue Shield plan. Then there is the issue with State to State coverage. If you go on vacation you may end up somewhere that does not take your plan. What do you do in case of an emergency? Most of the plans do not include an HSA. Also, a lot of the generic meds will now require a copay.
Some people really liked the fact the amount the company provided covered the cost of the plan, therefore there was no deduction from your check. But like the old saying, goes, you get what you paid for. I could go on but at this point it just sounds like I’m complaining.